You're covered

How many times has this happened to you?

You're off on vacation, and you return to your home only to find out that your computer and your iPod have been stolen while you were away. When you call your insurance company, they tell you that the hardware was covered, but that you're SOL when it comes to receiving any reimbursement for anything that had been downloaded to the hardware, regardless of the cost. Sound familiar?

Okay, so maybe it isn't happening all that often as of yet, but with the prevalance of mp3 players and programs such as Apple's iTunes, insurance companies are starting to jump on the bandwagon and are offering to cover downloads.

Of course, it should be noted that this coverage is for accidents such as fire, flood and the like, and not for anyone who happens to think that their computer's case is a good place to put refrigerator magnets. But with the recent coverage, so long as you can prove that there was a purchase price affixed to the material downloaded, you can claim it on your insurance if you happen to lose it. This thinking has also already caused at least one insurance provider to offer their insurance policies in a podcast format, for easy dissemination.

What this all means is that, eventually, people will be able to claim that all of the porn that they downloaded at the low cost of $9.95/month should be reimbursed to them when a burglar or a fire catches them with their pants down.

Good luck unthinking that.